Old American Group Car Insurance Review [2026]
The Old American Group states they are an expert in non-standard car insurance policies servicing 12 states, but for more information you’ll need to get in touch with an agent.
Table of Contents
Table of Contents
Insurance Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Eric Stauffer
Updated December 2024
- The Old American Group was founded over 70 years ago
- High-risk drivers can acquire insurance through the Old American Group
- You can shop online for free insurance quotes
Is it bad to change car insurance companies? If you think that your rates are too high and you need better coverage, absolutely not. Luckily, you can utilize free resources like this Old American Group review to speed up your search for the perfect insurance company in the internet age.
Keep reading to learn more about the Old American Group, the coverage it offers drivers, and how you can find affordable insurance.
Who is the Old American Group?
Founded in 1946, the Old American Group advertises itself as a nonstandard insurance expert, which indicates that it specializes in writing policies for high-risk drivers. This insurance group is comprised of Old American County Mutual and Old American Indemnity Company.
The Old American Group only provides coverage in these states:
- Alabama
- Arizona
- Indiana
- Kentucky
- Louisiana
- Missouri
- North Carolina
- North Dakota
- South Carolina
- Tennessee
- Texas
- Utah
If you live outside of Old American’s purview, you can shop online to find an insurance company near you.
Tech-savvy motorists may be disappointed with the lack of online tools offered to Old American drivers. For example, there isn’t an Old American Insurance login for drivers to make payments or request new copies of their insurance cards.
Now, if you were to conduct an internet search for “Old American Insurance Company rip-off,” you would find some interesting results.
There are no Old American Indemnity Company reviews on Yelp. However, there are over 20 disparaging Old American County Mutual reviews, mainly from drivers with other insurance companies. The reviews typically describe a scenario in which Old American has refused to pay out for damages caused by covered drivers.
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What coverages does the Old American Group provide?
If you want to quickly discover if road debris is covered by car insurance from Old American, you’re out of luck. You will not be able to determine what kinds of coverages are available from the Old American website. Typically, car insurance companies offer coverages like these:
Car Insurance Coverage Options
| Coverage Considerations | Description |
|---|---|
| Liability | Most states require you set amount of liability coverage which protects other drivers in the case of an accident |
| Comprehensive | This coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft. |
| Collision | This provides financial protection for your vehicle. It will pay for damages after a crash. |
| Personal Injury Protection (PIP) | This coverage will pay for your own medical costs including lost wages. |
| Medical Payments (MedPay) | Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does. |
| Uninsured/Underinsured Motorist Protection | Insurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident. |
| Guaranteed Auto Protection (GAP) | You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled. |
| Personal Umbrella Policy (PUP) | This option provides an "umbrella" of coverage over several types of insurance. |
| Rental Reimbursement | If your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option. |
| Emergency Roadside Assistance | You can purchase this option from your insurer or a driving club. |
| Pay-As-You-Drive or Usage-Based Insurance | This isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage. |
| Non-Owner Car Insurance | This option is for people who do not own a car but borrow one occasionally. |
| Modified Car Insurance Coverage | If you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them. |
| Windshield Coverage | Windshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics) |
| Mechanical Breakdown Insurance | This coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you. |
Read more: Is road debris covered by car insurance?
If you would like to learn more about what coverages this company provides, you can call the Old American car insurance phone number at 866-233-7091 or send an email to [email protected].
Are Old American Group prices affordable?
Old American doesn’t provide an online quote tool or sample rates on its website. You don’t need to let that deter you from planning your budget, though. Below, you can find the average rates in your home state for different coverage levels:
Average Monthly Rates for Various Coverage Types by State
| States | Average Monthly Liability Rates | Average Monthly Collision Rates | Average Monthly Comprehensive Rates | Average Monthly Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $39 | $30 | $14 | $83 |
| Alaska | $47 | $31 | $12 | $91 |
| Arizona | $50 | $26 | $17 | $92 |
| Arkansas | $37 | $30 | $18 | $85 |
| California | $47 | $38 | $8 | $93 |
| Colorado | $52 | $26 | $20 | $98 |
| Connecticut | $62 | $33 | $11 | $106 |
| Delaware | $71 | $28 | $11 | $110 |
| District of Columbia | $61 | $42 | $19 | $122 |
| Florida | $79 | $28 | $11 | $118 |
| Georgia | $60 | $32 | $14 | $106 |
| Hawaii | $39 | $28 | $9 | $76 |
| Idaho | $33 | $21 | $11 | $65 |
| Illinois | $41 | $28 | $11 | $80 |
| Indiana | $35 | $23 | $11 | $69 |
| Iowa | $28 | $20 | $17 | $65 |
| Kansas | $33 | $23 | $22 | $78 |
| Kentucky | $48 | $25 | $13 | $86 |
| Louisiana | $77 | $38 | $20 | $135 |
| Maine | $31 | $24 | $9 | $63 |
| Maryland | $58 | $33 | $13 | $104 |
| Massachusetts | $53 | $35 | $12 | $100 |
| Michigan | $74 | $38 | $13 | $126 |
| Minnesota | $40 | $21 | $17 | $78 |
| Mississippi | $42 | $30 | $19 | $91 |
| Missouri | $40 | $25 | $17 | $82 |
| Montana | $35 | $23 | $22 | $80 |
| Nebraska | $34 | $22 | $21 | $76 |
| Nevada | $68 | $28 | $10 | $106 |
| New Hampshire | $35 | $27 | $10 | $72 |
| New Jersey | $77 | $34 | $11 | $121 |
| New Mexico | $46 | $25 | $16 | $87 |
| New York | $73 | $36 | $15 | $124 |
| North Carolina | $31 | $27 | $11 | $69 |
| North Dakota | $25 | $22 | $21 | $68 |
| Ohio | $36 | $24 | $11 | $71 |
| Oklahoma | $41 | $28 | $21 | $90 |
| Oregon | $55 | $22 | $8 | $85 |
| Pennsylvania | $44 | $30 | $13 | $88 |
| Rhode Island | $71 | $38 | $11 | $121 |
| South Carolina | $53 | $25 | $16 | $94 |
| South Dakota | $27 | $19 | $25 | $72 |
| Tennessee | $38 | $28 | $13 | $79 |
| Texas | $51 | $35 | $20 | $106 |
| Utah | $47 | $24 | $10 | $81 |
| Vermont | $31 | $27 | $12 | $69 |
| Virginia | $39 | $25 | $12 | $76 |
| Washington | $55 | $25 | $9 | $89 |
| West Virginia | $43 | $29 | $18 | $89 |
| Wisconsin | $34 | $20 | $13 | $67 |
| Wyoming | $29 | $24 | $24 | $78 |
| Countrywide | $50 | $30 | $13 | $94 |
You can also shop online to find cheap full coverage car insurance. Shopping online is an efficient way to discover great coverage at low rates because you can compare multiple quotes at once.
What You Need to Know About the Old American Group
The Old American Group doesn’t provide insurance coverage throughout the United States but offers coverage to high-risk drivers. This insurance group’s rates and specific coverages aren’t disclosed on the Old American Group website. The reviews shared about this company also indicate that the quality of customer service is subpar.
You can, however, shop online to find insurance companies that offer more amenities for drivers and great discounts that can lower your rates.
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